Investor Presentaiton
Key Highlights
Bandhan Bank - Overview
Loan portfolio (on book + off book) for Q1FY 18-19 grew 52.37% Y-0-Y
Deposits grew by 36.83% Y-o-Y in Q1 FY 18-19
Net NPA at 0.64%
Retail Deposit to Total Deposit at 80%
Added 6.35 lakh Customer during the quarter with total customer base
reaching to 13.65 million (Micro Banking- 11 million and Non Micro-
2.65 million)
Income from PSLC of 2.56 Billion to be recognised over 4 quarters,
hence booked 0.64 Billion in Q1 FY18-19
MTM losses of 0.87 Billion to be amortised over 4 quarter, hence
booked 0.22 Billion in Q1 FY18-19
Snapshot of operations (30th June 2018)
Total Deposits
Total loans
and advances
Net interest margin
(NIM)
*307.0 bn
* 325.9 bn¹
10.27%*
CASA ratio (%)
35.5%
ROAA (%)
4.49%*
BAN
34
States & UTS
937
Branches
2,764
DSCs
458
Cities
475
28,826
ATMs
Employees
* Annualised
1 Gross loan portfolio;
19.92%*
ROAE (%)
Bandhan
Bank
13.65 mm
85%
Customers
PRIORITY
Micro loans
95%¹
Priority sector loansView entire presentation